CPI CARD GROUP INC (PMTS)
Information Technology · Payments Technology / Payment Card Solutions · NASDAQ
CPI Card Group is a leading provider of physical and digital payment card solutions, including instant issuance technology and secure prepaid card services, for the U.S. financial services market.
What CPI CARD GROUP INC does
CPI Card Group is a payments technology company that provides physical and digital payment solutions to U.S. financial institutions, fintechs, and prepaid program managers. The company specializes in the design and production of secure debit and credit cards, instant issuance systems, and integrated prepaid card services. Its offerings span both traditional contact-based cards and contactless cards, as well as digital solutions like mobile wallet tokenization.
Recent developments
In August 2026, the company acquired TRISM to expand its instant issuance addressable market, now serving over 3,000 U.S. financial institutions. The company also raised its 2026 revenue growth guidance and successfully integrated the previously acquired Arroweye. In July 2026, it redeemed $26.5 million of its Senior Notes to reduce leverage.
From CPI CARD GROUP INC's filing of 2026-08-06.
Themes: payments technology, instant issuance, prepaid solutions, secure card production, mobile wallets / tokenization, fintech supply chain
Fundamentals
- Price$25.00 as of 2026-10-08 close
- Market cap$288M as of 2026-07-28 (share count; price 2026-10-08)
- 1-year return+64.3% 2025-10-08 close $15.22 → 2026-10-08 close $25.00
- P/E24.26 as of 2026-10-08
- Net margin+2.8% FY2025, SEC XBRL
- Gross margin+31.3% FY2025, SEC XBRL
- Debt / equity4.14 as of 2026-09-02
- Revenue growth (YoY)+15.6% as of 2026-09-02
- Revenue CAGR (3y)+4.5% SEC XBRL
- Beta1.27 as of 2026-09-02
- Last reported earnings2026-08-06 SEC EDGAR Form 8-K (Item 2.02)
Dividend: at least 2 years of non-decreasing per-share dividends (SEC XBRL) — we do not hold the year before it, so the real streak may be longer.
How PMTS compares in its sector
- price-to-earnings ratiomiddle range 253 covered Information Technology peers, as of 2026-10-08
- net profit marginmiddle range 380 covered Information Technology peers, as of 2026-09-02
- operating marginmiddle range 375 covered Information Technology peers, as of 2026-09-02
- gross marginbottom 25% 311 covered Information Technology peers, as of 2026-09-02
- 3-year revenue CAGRmiddle range 385 covered Information Technology peers
- free cash flow (absolute dollars, latest fiscal year)middle range 382 covered Information Technology peers, as of FY2025
Position among covered Information Technology companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Dividend coverage
Not assessed — last reported dividend predates the accounts. The most recent fiscal year in which PMTS reported a dividend payment is FY2017, while its reported financial statements run through FY2025. Coverage is therefore not assessed for the latest year — an FY2017 ratio would not describe PMTS today.
Coverage is derived from reported SEC EDGAR XBRL figures, comparing dividends paid against net income and free cash flow for the SAME fiscal year. It is not shown here because the latest fiscal year with a reported dividend payment (FY2017) is older than the latest year of reported financial statements (FY2025), so any ratio would describe an out-of-date year. Informational only — not financial advice.
How CPI CARD GROUP INC looks technically
CPI CARD GROUP INC (PMTS) is trading 34.9% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 110 trading days ago — a "golden cross", a bullish long-term signal. There is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 13, below the 25 that marks a real trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 48, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bullish about 3 trading days ago (its momentum flipped positive). It made a new 20-day low about 20 trading days ago. It is 20.0% below its highest point of the past year. Day-to-day price swings are unusually narrow versus its own recent history — a "Bollinger squeeze" (in the tightest 3% of the past ~6 months), which often precedes a bigger move.
Trend
8
| Distance from the 200-day | it is trading 34.9% above its 200-day average, the long-term trend line — a longer-term uptrend | +34.9% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $26.16 | $26.16 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $18.53 | $18.53 |
| Swing structure | each recent peak has been lower than the one before it and each dip deeper — the pattern chart-watchers call a downtrend, which describes where price has already been and not where it goes next | lower highs and lower lows |
| Last swing turn | its last significant turn was a swing high 9 calendar days ago — the swings before that are what the structure reading is measured on | 9 sessions |
| Wave structure | its recent swings can be read as a five-part downward sequence — what Elliott-wave chartists call an impulse — now in leg 5 of five; the labelling fails if price closes above 25.24. It is the only labelling that fits, and it describes the swings already printed, not what comes next. | possible downward five-wave sequence, in wave 5 |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 110 trading days ago — a "golden cross", a bullish long-term signal | 110 sessions |
| Trend strength (14-day ADX) | there is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 13, below the 25 that marks a real trend) | 13.4 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 48, neither overbought (above 70) nor oversold (below 30) | 48.2 |
|---|---|---|
| Position in its 14-day range | it is trading in the upper half of its 14-day range ($23.80 to $25.32) — its "stochastic" reading is 79 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been slipping within that range over the last few sessions. | 79.0 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bullish about 3 trading days ago (its momentum flipped positive) | 3 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $31.25 | $31.25 |
|---|---|---|
| From the 52-week high | it is 20.0% below its 52-week high (its highest price of the past year) | -20.0% |
| Above the 52-week low | it is 130.0% above its 52-week low (its lowest price of the past year) | +130.0% |
| Below the 52-week high | it is 20.0% below its highest point of the past year | 20.0% |
| Since a 20-day breakout | it made a new 20-day low about 20 trading days ago | 20 sessions |
| Since a 55-day breakout | it made a new 55-day high about 42 trading days ago | 42 sessions |
| All-time high | its highest closing price on record is $67.50 (set on 2015-10-12) | $67.50 |
| Given back of the 52-week move | over the past year its closes ranged ($11.29 to $30.50), and it has given back roughly a quarter of its rise from last year’s low — 29% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $18.01 to $18.63. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 28.6% |
| From the all-time high | it is 63.0% below its all-time high | -63.0% |
| Nearest price level | it is trading 1.5% below a resistance level at $25.37 — a price it turned at twice since 2025-07-07, most recently on 2026-09-29. Since 2024-10-08 it has 11 such levels below the current price and 4 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | +1.5% |
| All-time low | its lowest closing price on record is $0.36 (set on 2020-03-19) | $0.36 |
| Above the all-time low | it is 6844.4% above its all-time low | +6,844% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are unusually narrow versus its own recent history — a "Bollinger squeeze" (in the tightest 3% of the past ~6 months), which often precedes a bigger move | 3rd percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.9093 between its high and its low — about 3.6% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.9093 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $23.33 and $25.62 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $23.33 – $24.48 – $25.62 |
| Typical daily range (% of price) | its price moves about 3.6% in a typical session — about typical for the companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 3.6% |
| Stretch from the 200-day average | it is trading 7.1 daily ranges above its 200-day average price (34.9% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 7.1 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 0.52× |
|---|
Analyst
2
| Change in the average price target | analysts' average price target is unchanged from the prior reading | 0.0% |
|---|---|---|
| Change in the consensus rating | not available for this company yet | n/a |
Candlestick patterns
2
| Since a doji | 2 sessions ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | 2 sessions ago |
|---|---|---|
| Since a bullish engulfing | 1 session ago it opened below the previous session's close and finished above that session's open — a "bullish engulfing" pair, where one up day more than undid the down day before it | 1 session ago |
Price gaps
3
| Gap at the open | it opened on 2026-10-08 0.6% below the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and had not traded back through that level by the close | -0.6% |
|---|---|---|
| Open gap | it gapped 17.9% below the previous close 19 sessions ago and has not traded back through the level it left behind at 26.94 — an "unfilled gap", which describes a price range no trade has since crossed and is not a forecast that it will be crossed | -17.9% |
| Gap filled | a 3.5% gap up opened on 2026-09-15 has been "filled" 17 sessions ago — price traded back through the level the gap left behind, and it closed again during the very session that opened it | 17 sessions ago |
Price streaks
1
| Closing streak | it closed lower in its latest session, after a session that did not close lower — a single down day rather than a run | 1 session down |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 15.0 percentage points (the stock lost 14.0% while the market gained 1.0%) | -15.0% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 29.6 percentage points (the stock gained 33.5% while the market gained 3.8%) | +29.6% |
| vs market, 6 months | over the past 6 months this stock beat the market by 33.7 percentage points (the stock gained 51.1% while the market gained 17.5%) | +33.7% |
| vs market, 12 months | over the past 12 months this stock beat the market by 49.3 percentage points (the stock gained 64.3% while the market gained 15.0%) | +49.3% |
Signal agreement
2
| Bullish technical signals | 4 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, MACD momentum is positive, outperforming the market over 6 months — these describe past price behaviour, not a forecast | 4 of 9 |
|---|---|---|
| Bearish technical signals | 0 of the 9 technical signals we can compute for it are currently in a bearish state — these describe past price behaviour, not a forecast | 0 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading inside the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-09-01 and projected forward over today's price, the zone traders read as unresolved — neither side has established a trend, and the band is where that gets settled. The band itself is thick, spanning 11.0% of the share price, which is taken to mean a barrier that has held for a while and takes effort to cross. | 0.0% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 18% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $21.23 — a volume-weighted average of daily closes over 191 sessions, not a true tick-by-tick VWAP. | +17.7% |
|---|---|---|
| Vs the average paid since it last reported | the price is 2% below the average price paid since it last reported on 2026-08-06 (its 10-Q), so the typical buyer over that stretch is under water. That average is $25.51 — a volume-weighted average of daily closes over 45 sessions, not a true tick-by-tick VWAP. | -2.0% |
Price levels it has turned at before
PMTS last closed at $25.00 on 2026-10-08. Since 2024-10-08 it has turned at 11 prices below its last close and 4 above; the 3 nearest below and the 3 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $25.37 | Resistance | 1.5% above the last close | turned there twice · 2025-07-07 to 2026-09-29 |
| $27.24 | Resistance | 9.0% above the last close | turned there four times · 2025-02-03 to 2026-08-20 |
| $28.02 | Resistance | 12.1% above the last close | turned there five times · 2024-11-12 to 2025-04-23 |
| $21.93 | Support | 12.3% below the last close | turned there twice · 2024-10-23 to 2026-09-11 |
| $21.38 | Support | 14.5% below the last close | turned there four times · 2024-10-31 to 2026-07-06 |
| $19.21 | Support | 23.2% below the last close | turned there twice · 2025-05-22 to 2026-04-17 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a five-part downward sequence — what Elliott-wave chartists call an impulse — now in leg 5 of five.
This labelling fails — stops being a possible reading at all — if it closes above $25.24.
It is the only labelling that fits these swings, though its proportions are not the textbook ones. It was chosen from 3 labellings that survived the rules, counting shorter readings of the same bars.
On past moves of this shape the leg has usually ended somewhere between $18.36 and $22.61 — that is where it has tended to end if the count holds, not a forecast of where the price goes.
This reading has stood for 1 trading day, since 2026-10-08.
Read from daily closes as of 2026-10-08.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · MACD just crossed bullish (12/26/9) · in a Bollinger Band volatility squeeze · trendless / choppy (low ADX) · beating the market · Stretched far above its 200-day average (6+ daily ranges) | Learn: moving average · golden cross · adx · rsi · macd · breakout · fifty two week high low · bollinger bands
Based on daily closing prices as of 2026-10-08. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Mean price target$32.50 range $30.00 – $34.00; median $33.00
Analyst estimates, as of 2026-10-04. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for PMTS
- Consensus EPS estimate$0.83 next reporting period, as of 2026-10-04
- Estimate change, 30 days$0.00 (0.0%) from $0.83, on 2026-08-30, 35-day window
- Readings revised upward0% of 7 comparable readings
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Highly competitive, saturated, and consolidated marketplace with ongoing pricing pressures.","Reliance on cyclical financial card markets and potential for technological shifts (e.g., mobile payments) to render products obsolete.","Substantial indebtedness and restrictive covenants, alongside risks associated with supply chain disruptions and inflationary pressures."]
What changed in the latest 10-Q
AI-assisted comparison of PMTS's 10-Q filed 2026-05-05 against the prior one filed 2025-11-04.
Management's Discussion & Analysis (MD&A)
- Added:
- Added reference to 'related services' phrase in context of new products: 'new products and related services' (2026 filing)
- Added reference to Arroweye Solutions, Inc. with full company name and ticker abbreviation: 'Arroweye Solutions, Inc. ("Arroweye")' (2026 filing)
- Added language about inability to renew licenses: 'our inability to renew licenses with key technology licensors' appears in newer filing
- Added specific risk language: 'our inability to adequately protect our trade secrets and' followed by continuation (2026 filing truncates but shows different structure)
- Removed:
- Removed reference to specific year in Form 10-K citation: changed from 'December 31, 2024' (2025 filing) to 'December 31, 2025' (2026 filing) - reflects updated annual report year
- Removed standalone sentence: 'the effects of climate change on our business;' as separate risk item (2025 filing contained this; 2026 filing incorporates climate change differently)
- Removed risk item: 'the effects of trade restrictions, delays or interruptions in our ability to source raw materials and components used in our products from foreign countries;' (present in 2025 filing, absent in 2026 filing)
- Reworded:
- Changed 'U.S. trade policy' to 'U.S. and global trade policy' to broaden scope (2026 filing)
- Changed 'new products and services' to 'new products and related services' (2026 filing)
- Changed reference from 'the acquisition of Arroweye,' to 'the acquisition of Arroweye Solutions, Inc. ("Arroweye"),' providing full legal name (2026 filing)
- Relocated and reframed climate change language from standalone risk item into 'disruptions in production at one or more of our facilities due to weather conditions, climate change, political instability, or social unrest' as integrated component rather than separate risk (2026 filing)
- Notes:
- Both filings are truncated at the same point in the text, limiting full comparison
- Quarterly period changed from September 30, 2025 to March 31, 2026; annual report year reference changed from December 31, 2024 to December 31, 2025 - these are expected period updates rather than substantive changes
- The removal of the 'trade restrictions, delays or interruptions' language may reflect consolidation with other supply chain risk language rather than elimination of the risk itself
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
5 open-market purchases and 1 open-market sale by insiders in the last 90 days, of which we have read Form 4 filings through 2026-10-04. The 5 days since 2026-10-04 have not been checked yet.
- Last 30 days · read to 2026-10-045 buys ($12M) · 1 sell ($55M) — 5 buying, 1 selling insiders
- Last 90 days · read to 2026-10-045 buys ($12M) · 1 sell ($55M) — 5 buying, 1 selling insiders
- Last 180 days · read to 2026-10-047 buys ($12M) · 2 sells ($55M) — 5 buying, 2 selling insiders
Cluster buying: 5 different insiders reported open-market purchases (SEC code P) of PMTS within a 30-day window between 2026-09-14 and 2026-09-14. Disclosed Form 4 activity, not a prediction of performance or a buy signal.
Activity heuristic: net buying (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-09-14. Based on Form 4 filings read through 2026-10-04; anything filed since is not yet included.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about PMTS's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
3 institutional 13F filers reported holding PMTS as of 2026-06-30 (quarter-end position, filed within 45 days).
- Distinct 13F filers 3
- Reported shares held 615,617
- Reported value $12,792,521
reported quarterly holdings change (2026-03-31 → 2026-06-30): 0 new, 3 increased, 0 decreased, 1 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Ask about PMTS's institutional holders → See what each manager we track holds →
Short interest (FINRA)
PMTS had 295,622 shares of reported short interest as of the 2026-09-15 FINRA settlement date (delayed, bi-monthly; not real-time).
PMTS had 2.56% of its shares outstanding sold short as of the 2026-09-15 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 1 days to cover at the same settlement.
- Reported short interest (shares) 295,622
- Short interest (% of shares outstanding) 2.56%
- Prior settlement (shares) 277,132
- Reported change 6.67%
- Days to cover (reported) 1
Reported to FINRA as of the 2026-09-15 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- CPI does not name specific direct public competitors in its primary filings; the market for payment card solutions is consolidated and highly competitive. Other participants in the payment card production and personalization market include HID Global (ASSA ABLOY), Idemia, Giesecke+Devrient, and various specialized regional providers.
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
Frequently asked questions
What does CPI CARD GROUP INC (PMTS) do?
CPI Card Group is a payments technology company that provides physical and digital payment solutions to U.S. financial institutions, fintechs, and prepaid program managers. The company specializes in the design and production of secure debit and credit cards, instant issuance systems, and integrated prepaid card services. Its offerings span both traditional contact-based cards and contactless cards, as well as digital solutions like mobile wallet tokenization.
What sector is CPI CARD GROUP INC (PMTS) in?
CPI CARD GROUP INC (PMTS) is classified in the Information Technology sector. Its industry is Payments Technology / Payment Card Solutions. It trades on NASDAQ.
Who are CPI CARD GROUP INC's (PMTS) competitors?
Notable peers of CPI CARD GROUP INC (PMTS) include CPI does not name specific direct public competitors in its primary filings; the market for payment card solutions is consolidated and highly competitive. Other participants in the payment card production and personalization market include HID Global (ASSA ABLOY), Idemia, Giesecke+Devrient, and various specialized regional providers.. This peer set is informational only — not financial advice.
Is CPI CARD GROUP INC (PMTS) overbought or oversold right now?
CPI CARD GROUP INC (PMTS) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 48, in the neutral middle (as of 2026-10-08). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on PMTS come from?
Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-02 for the rest; prices are market data, as of 2026-09-02; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-02 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-08.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.